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Lawrence Bank

Nashville, TN · Cert 22451 · Lawrence Bancshares Inc.

State charter, non-member · FDIC · 30 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=266 to 267). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Lawrence Bank

Nashville, TN · Cert 22451 · Lawrence Bancshares Inc.

State charter, non-member · FDIC · 30 branches

Q2 2026

$3.0BAssets
$2.3BLoans
$2.6BDeposits
$354.5MEquity
Loan mix
91%RE $2.1B8%C&I $0.2B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $2.2B16%Noninterest $0.4BQ3 2024Q2 2026

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 1.6% share · #10 of 62 inst. · $1.8B of $107.8B

14.2% Sumner
17.8% Montgomery
17.9% Robertson
0.4% Davidson

Executive Summary

  • Earnings: ROA of 1.05%, up 53 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.17% of loans (-28 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 9.78%, up 32 bps from a year ago.
  • Funding: loans stand at 86.38% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%+53 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+17 bps YoY

Efficiency Ratio (YTD, annualized)

70.06%-878 bps YoY

Tier 1 Leverage Ratio

9.78%+32 bps YoY

NIM

5.06%Q2 ’245.19%Q2 ’255.28%Q2 ’260%+5%

Non-interest income vs. expense

3.26%Q2 ’242.97%Q2 ’252.80%Q2 ’26-2%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.52%0.50%0.53%0.48%0.54%1.35%1.05%+53 bps
Return on Equity3.84%4.27%4.08%4.40%3.98%4.44%11.23%8.89%+449 bps
Net Interest Margin2.61%2.85%3.45%3.47%3.43%3.52%3.55%3.63%+17 bps
Efficiency Ratio82.43%81.02%79.93%78.84%80.59%77.98%66.06%70.06%-878 bps
Non-Interest Burden2.07%2.23%2.65%2.63%2.69%2.66%2.18%2.39%-24 bps
Growth
Asset Growth (YoY)52.11%41.54%43.26%56.10%3.57%2.97%93.11%82.41%+2,632 bps
Loan Growth (YoY)54.51%53.81%54.45%58.81%5.96%5.75%109.07%100.53%+4,172 bps
Deposit Growth (YoY)51.17%46.60%48.50%57.22%3.54%2.55%95.56%83.44%+2,623 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.23%0.53%0.45%0.45%0.80%0.17%0.17%-28 bps
Net Charge-Offs / Loans0.06%0.04%0.02%0.02%0.01%0.03%0.11%0.12%+11 bps
Allowance / Loans1.07%1.06%1.04%1.02%1.00%1.03%0.86%0.86%-16 bps
Allowance Coverage of NPLs9.5x4.6x1.9x2.2x2.2x1.3x5.0x4.9x+2.7x
Capital
Tier 1 Leverage Ratio9.18%9.44%9.51%9.46%9.22%9.57%9.75%9.78%+32 bps
Total Risk-Based Capital13.08%13.03%13.05%12.69%13.00%13.42%13.81%13.77%+108 bps
Equity / Assets12.09%12.21%12.15%11.70%12.02%12.61%11.68%11.65%-6 bps
Liquidity & Funding
Loans / Deposits79.85%82.79%80.98%79.02%81.72%85.37%86.57%86.38%+736 bps
Liquid Assets / Assets2.95%1.98%0.85%1.90%0.54%0.82%3.11%4.87%+297 bps
CRE / Total Capitaln/an/an/an/a371%362%323%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Lawrence Bank

Nashville, TN · Cert 22451 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Lawrence Bancshares Inc.

State charter, non-member · FDIC · 30 branches

Q2 2026

$3.0BAssets
$2.3BLoans
$2.6BDeposits
$354.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks $1B-$10B in assets operating in a single state (rank 64 of 267).
  • Widest gap: return on equity trails 84% of banks $1B-$10B in assets operating in a single state (rank 224 of 267).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.89%

Rank 204 of 267

Net Interest Margin

3.63%

Rank 105 of 267

Efficiency Ratio

70.96%

Rank 207 of 266

Equity / Assets

11.65%

Rank 76 of 267

Non-interest income vs. expense

$12.8M$86.5MINCOMEEXPENSE
Unfavorable gap of $73.7M · efficiency ratio beats 23% of banks $1B-$10B in assets operating in a single state
Bank 70.96%Peer median 60.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.89%0.93%1.23%1.55%Beats 24%204 / 267
Return on Equity7.66%9.16%11.84%14.56%Beats 16%224 / 267
Net Interest Margin3.63%3.12%3.50%3.88%Beats 61%105 / 267
Efficiency Ratio70.96%51.36%60.21%69.66%Beats 23%207 / 266
Asset Quality
Nonperforming Loans / Loans0.17%0.19%0.46%0.89%Beats 76%64 / 267
Net Charge-Offs / Loans0.07%0.01%0.02%0.06%Beats 24%205 / 267
Capital
Tier 1 Capital Ratio12.86%11.29%13.05%15.13%Beats 47%141 / 267
Total Risk-Based Capital Ratio13.77%11.95%13.87%16.27%Beats 48%140 / 267
Equity / Assets11.65%9.18%10.29%11.76%Beats 72%76 / 267
Liquidity & Funding
Loans / Deposits86.38%72.68%86.16%95.22%51st pctl130 / 267
Loans / Assets74.38%62.46%71.96%78.38%57th pctl114 / 267
Brokered Deposits / Depositsn/aNot reported for this institution